@Ferg,

I'm gonna follow my own advice about "until/unless it happens to you, it's easy to dismiss" and defer to you on your points.You were telling us about first hand experiences and legal issues which I absolutely have not experienced.Things that I'm not qualified to address...and which are very easy for me to overlook.

Touche,Ferg.

Just saying that people shouldn't have to apologize for who/what they are.